Interest Free Loan
With Pay in 3, there's no interest and no set-up fees.*
Decision in Seconds
You won't have to wait to see if you're approved.
Backed by PayPal
Your purchases are covered by the same security and Buyer Protection you already enjoy from PayPal**.
Buy now and pay later with Pay in 3
PayPal Pay in 3 is an interest-free loan that lets you split your basket into 3 payments, with the first due at the time of purchase and subsequent payments due every month on the same date. It’s a great way to spread the cost of larger items or to cover emergencies and is a helpful tool to manage your budget more effectively.
Please note that Pay in 3 is a form of credit, so carefully consider whether you can afford the repayments and be aware of the possible impact of missing payments, including making other borrowing more difficult or expensive.
Pay in 3: Easy as 1-2-3...
Step 1
Add products to your basket and select “PayPal” when you checkout.
Step 2
Choose “Pay in 3” and complete your purchase.
Step 3
Make the first payment now, the rest in two payments every month on the same date.
Frequently Asked Questions
What is PayPal Pay in 3?
Pay in 3 is an interest-free loan that lets you split your basket into 3 repayments, with the first due at the time of purchase and subsequent repayments due every month on the same date. Please note that Pay in 3 is a form of credit, so carefully consider whether you can afford the repayments and be aware of the possible impact of missing repayments, including future eligibility for Pay in 3 and making other borrowing more difficult or more expensive.
Will I be able to use Pay in 3?
Pay in 3 is not available for certain merchants and goods. We may also decide not to offer Pay in 3 as a payment option in certain circumstances, such as where data we hold suggests you may not
How can I pay with Pay in 3?
Pay in 3 will appear as a payment method for eligible online basket values between £30 and £2,000 when you checkout with PayPal. Upon applying, you’ll receive a decision within seconds, although not every application will be approved.
Are there any fees associated with Pay in 3?
PayPal does not charge any sign-up, application, late, or Not Sufficient Funds (NSF) fees when you pay with Pay in 3. However, if your repayment is returned because of non-sufficient funds or for another reason, your bank or financial institution may charge you an NSF or other fee.
How long will my Pay in 3 plan last?
Your loan will last 2 months in total. The first payment will be due at the time of purchase, followed by 2 subsequent payments due each month after that.
Visit the PayPal Pay in 3 FAQs page to find out more about using Pay in 3.
Pay in 3 eligibility is subject to status and approval. 18+ UK residents only. See product terms for more details.
* Pay in 3 is a form of credit, so carefully consider whether the purchase is affordable and how you will make the repayments. Be aware of the possible impact of using Pay in 3 and of missing payments, including making other borrowing more difficult or more expensive.
** Available on eligible purchases only. 180 day time limit and other terms apply.
